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Business Checking

Navigating your business forward.

Set your business on course and make your money work as hard as you do with one of our business checking account options. Achieve even greater efficiency utilizing our treasury management tools and commercial financing options. We make running your business smooth sailing.

Use the chart below to compare the business checking account options available to meet your unique checking needs.
Business Basic Checking Start-up or small business with low balance and low monthly transaction volume	Business Access Checking Small to mid-size business with low to moderate monthly transaction volume	Business Access Plus Checking Small to mid-size business with low to moderate monthly transaction volume desiring interest option	Business Advantage Checking Mid size to large business with moderate to high balances and moderate to high monthly transaction volume
Minimum to Open $50	Minimum to Open $50	Minimum to Open $50	Minimum to Open $50
Service Charge None	Service Charge $7 monthly service charge	Service Charge $15 monthly service charge	Service Charge $60 monthly service charge
Ways To Avoid Or Reduce Service Charge N/A	Ways To Avoid Or Reduce Service Charge $2,500 average monthly balance	Ways To Avoid Or Reduce Service Charge $10,000 average monthly balance	Ways To Avoid Or Reduce Service Charge $15,000 average monthly balance
Transactions Allowed Per Month¹ 50 Free $0.40/item over 50	Transactions Allowed Per Month¹ 200 Free $0.40/item over 200	Transactions Allowed Per Month¹ 150 Free $0.40/item over 150	Transactions Allowed Per Month¹ 500 Free $0.40/item over 500
Interest No	Interest No	Interest Tiered interest rates, monthly compounding	Interest No
Cash Deposits Per Month Free up to $7,000²	Cash Deposits Per Month Free up to $7,000²	Cash Deposits Per Month Free up to $7,000²	Cash Deposits Per Month Free up to $20,000²
Branch Coin and Currency Order $7.00 per order	Branch Coin and Currency Order $7.00 per order	Branch Coin and Currency Order $7.00 per order	Branch Coin and Currency Order $7.00 per order
Business Online Banking & Mobile Banking³ Yes	Business Online Banking & Mobile Banking³ Yes	Business Online Banking & Mobile Banking³ Yes	Business Online Banking & Mobile Banking³ Yes
Complementary Bill Payment Service⁴ Yes	Complementary Bill Payment Service⁴ Yes	Complementary Bill Payment Service⁴ Yes	Complementary Bill Payment Service⁴ Yes
Extras eStatements available⁴ Business Debit Card ⁵ Business Credit Card ⁵	Extras eStatements available⁴ Business Debit Card ⁵ Business Credit Card ⁵	Extras eStatements available⁴ Business Debit Card ⁵ Business Credit Card ⁵	Extras eStatements available⁴ Business Debit Card ⁵ Business Credit Card⁵

Order business checks

¹ Transactions include: checks paid, items deposited, deposit tickets, ACH credits received, ACH debits received, POS debits.
² Excess cash deposits are charged at $0.0012 per $1.
³ Data charges from mobile carrier may apply.
⁴ Requires an active Macatawa Bank Online Banking relationship.
⁵ Certain conditions and limitations may apply. Normal approval process applies.

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